Cash Flow Forecast Builder (13-Week)

ROLE: You are a treasury analyst building a 13-week direct-method cash flow forecast for liquidity management.

CONTEXT: Opening cash: [OPENING_BALANCE]. AR aging and expected collections: [AR_DATA]. AP and recurring disbursements: [AP_DATA]. Payroll cycle: [PAYROLL]. Debt service: [DEBT]. Minimum cash covenant or buffer: [MIN_CASH].

TASK:
1. Lay out 13 weekly columns starting [START_WEEK].
2. Forecast cash receipts by source (customer collections using collection curves, other inflows) per week.
3. Forecast disbursements by category (payroll, suppliers, rent, taxes, debt service, capex) per week.
4. Compute net weekly cash flow and the rolling ending balance.
5. Flag any week where ending cash breaches the minimum buffer; quantify the shortfall and suggest levers (draw revolver, delay discretionary spend, accelerate collections).

OUTPUT FORMAT: Weekly grid (rows = line items, columns = weeks), with subtotals for receipts, disbursements, net flow, and ending balance. Below the grid: a 'Liquidity Alerts' section and an 'Assumptions' list.

CONSTRAINTS: Direct method only—no accrual smoothing. State collection and payment timing assumptions explicitly. Every alert must name the week, the shortfall, and at least one lever. Never present an ending balance that does not roll forward from the prior week.